Buy Now and Pay Later

Spread the cost, interest free, no upfront payments, no monthly instalments

Buy Now pay later is a popular credit choice for those looking to buy something without paying anything for up to 12 months.

Buy now pay later credit allows you to buy with no upfront payment, no monthly instalments and you will pay no interest as long as you clear the entire balance before the buy now pay later period ends.

If you don’t clear the entire balance before the buy now pay later period ends you will be charged Deferred interest.

Deferred interest is interest that’s back dated to the date of your order, this will increase the amount you owe.

Apply now for your Buy Now pay later credit - Instant decision

Very Catalogue

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Pay Later Littlewoods Catalogue

Littlewoods Catalogue

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What is Buy Now Pay later?

You may have heard the phrase Buy Now Pay Later on Television adverts or seen it mentioned online or in leaflets.

Sometimes Buy Now Pay Later is abbreviated to BNPL or just Pay Later.

The concept of Buy Now Pay Later is pretty simple,

  • Choose the items you wish to order
  • Select Buy Now Pay Later at the checkout
  • Pay close attention to the Buy Now Pay Later date, this is the date you must clear the entire balance by to avoid interest being added

Depending on the amount you are spending and the company offering the Buy now pay later credit, the Buy Now Pay Later period will differ.

Buy Now Pay Later credit usually ranges from 3 months through to 12 months, although some stores and larger purchases may offer a longer period.

Don't get stung with interest - Deferred interest explained

THE STING….

Deferred interest

If you pay the entire balance back before the Buy Now Pay Later period ends you will not be charged any interest.

HOWEVER, if you don’t clear the entire balance before your Buy Now Pay Later period ends, interest will be applied, charged back to the date of your order and added to the debt.

This will drastically increase the amount you owe.

So if you are thinking about BUY NOW PAY LATER you should only take out this option if you are totally sure you can clear the entire balance in full before the Buy Now Pay Later period ends.

Buy now and pay later credit for people with bad credit

Buy now pay later credit options for people with bad credit

Buy Now Pay later has a more stringent credit criteria than pay monthly credit.

This is because the credit is deferred and the interest has not yet been applied.

That’s not to say that people with bad credit can’t get accepted for buy now pay later credit.

Argos will offer a Soft Search credit check which will not harm your Credit rating should you wish to check with them.

Both Look Again and Freemans also offer this option, (however, Buy Now Pay Later credit with both of these Catalogues may not be offered until you have run an account with them for at least 9 months.)

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